Do you want to renovate, embellish, bring up to standard or expand your business premises ? Find the funds you need thanks to the crowdlending formula (participatory loan)! A solution which has been developing significantly over the past few years and which is particularly popular with its simplicity and speed.
Every year, a large number of professionals undertake work in their SME, shop, restaurant or even bakery. It may indeed be necessary to renovate its premises to guarantee a safe or more pleasant working environment for its employees. The renovation can also be done for the purpose of energy improvement . Better insulate your room, change your windows or joinery avoids heat loss and leads to significant savings.
In the retail sector, renovations are, quite simply, essential. To attract customers, traders must create a beautiful space, warm, original, fashionable and perfectly suited to current consumption patterns. What to give a facelift to his shop and a whole new attractiveness.
Most traders see an increase in their turnover following a renovation.
While certain renovations (particularly energy renovations) are facilitated by the granting of bonuses, they are not all eligible for this type of device. Far from there !
If they want to redevelop the interior of their premises or re-decorate it, for example, most entrepreneurs will turn to banking establishments and negotiate a loan.
This solution is indeed suitable for most development projects. But currently, in a context of crisis, the banks remain cautious. Today, most files require the approval of a credit committee. And the deadlines are very long, even for small sums ... the constant change of advisers can also slow down your procedures.
According to a barometer from the ARC firm, 67% of French companies have noted a withdrawal of banks from SMEs since 2008. A blocking point for many entrepreneurs, and by extension, for the entire economy ...
Different alternative formulas also allow you to finance your work without the intermediary of a bank. Among them :
Using available cash , a choice that guarantees you great freedom of action… but which assumes that the company has sufficient cash.
Capital increase , an option which allows to benefit from funds for works but which is heavy for the borrower, who must again make a personal commitment to the capital of the company.
call on the Bpi (Public Investment Bank). Since 2012, the Bpi, resulting from the merger between Oséo, CDC entreprises and the FSI, can intervene both for the financing of intangible assets, the treasury, or even the capital increase. However, the Bpi rather concentrates its action on certain sectors such as, for example, innovative companies. Therefore, not all companies can benefit from it.
A new alternative to bank loans , crowdlending is a new financing solution, interesting for entrepreneurs, whatever their sector of activity. The principle is simple, it is individuals or companies who lend a sum of money to finance a business development project. The loaned amount is repaid to the lenders each month with interest.
Crowdlending is adapted to the needs of entrepreneurs wishing to carry out work . Via crowdlending (participatory loan), they can, for example, raise funds to give their restaurant a facelift or bring their bakery they have just bought up to standard.
The equity loan is a formula that appeals to entrepreneurs who need a quick, simple and unsecured loan . Among its advantages: a particularly fast response time and delivery time, equivalent to just a few days. For comparison, it takes on average a quarter to get a bank loan. Significant time and energy savings are the key, also with less administrative formalities, less travel and in short, less hassle. Clearly, crowdlending is now emerging as a real business accelerator.
Are you interested in the crowdlending formula? Discover whimblegardens.co.uk , the French number 1 in crowdlending. Borrow from a community, without going through the banks. An ideal formula for your work, such as your tangible or intangible projects.
whimblegardens.co.uk offers you quick and easy financing solutions. A participatory loan is indeed obtained within 7 days on average on the platform! Benefit from loans between $ 20,000 and € 2.5 million, with terms of 12 to 60 months, without personal surety or guarantee .
Death and disability insurance is available to all borrowers.
Crowdlending is a new financing solution for companies wishing to carry out work.